RateDex

Presented by the National Association of Federally-Insured Credit Unions (NAFCU) in cooperation with S&P Global Market Intelligence and DatatracRates based upon a survey of 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.110.250.010.411.360.1530
6 Mo CD - $10k0.140.300.010.501.520.2536
1 Yr CD - $10k0.320.600.050.871.660.5054
18 Mo CD - $10k0.371.000.051.191.750.6583
2 Yr CD - $10k0.390.750.151.271.840.8088
30 Mo CD - $10k0.310.750.151.281.650.9097
3 Yr CD - $10k0.631.100.201.501.971.0587
4 Yr CD - $10k0.571.060.201.772.171.36120
5 Yr CD - $10k0.871.300.251.992.361.66111
1 Mo CD - $100k0.130.200.100.170.200.154
2 Mo CD - $100k0.140.200.100.180.200.154
3 Mo CD - $100k0.150.350.010.230.300.158
6 Mo CD - $100k0.170.400.010.380.450.3020
1 Yr CD - $100k0.360.700.050.841.250.5048
2 Yr CD - $100k0.430.850.161.201.700.8078
3 Yr CD - $100k0.681.200.201.431.941.0575
Interest Checking - $5k0.050.150.010.060.100.051
Liquid IRA Account0.090.140.030.281.000.1019
Money Market - $2.5k0.060.100.010.140.250.109
Money Market - $10k0.060.100.010.220.500.1116
Money Market - $25k0.080.150.010.260.600.1518
Money Market - $50k0.080.150.020.330.750.2124
Money Market - $100k0.090.150.050.350.750.2126
Money Market - $250k0.090.200.010.350.750.2126
Regular Savings - $1k0.060.100.010.150.500.109
New Car - 36 Mo3.303.622.862.823.501.99-48
New Car - 48 Mo3.323.642.862.853.511.99-47
New Car - 60 Mo3.333.742.862.993.651.99-34
New Car - 72 Mo3.373.992.863.123.951.99-25
Used Car - 36 Mo3.684.722.942.823.501.99-86
Used Car - 48 Mo3.694.722.942.853.511.99-85
Used Car - 60 Mo3.854.672.992.993.651.99-87
Used Car - 72 Mo3.253.502.993.003.601.99-25
New Boat - 60 Mo6.1110.604.495.006.253.74-111
Rewards Credit Card13.2813.9912.999.7010.508.90-358
Credit Card Platinum12.2816.1510.999.879.999.75-241
Credit Card Classic13.9013.9013.9013.6214.2512.99-28
Home Equity - LOC5.787.634.254.856.004.25-93
Home Equity - 5 Yr5.456.004.596.547.505.25110
Home Equity - 10 Yr5.426.004.846.457.505.56103
Home Equity - 15 Yr5.185.185.186.377.255.57119
15 Yr Fixed3.5383.5003.3753.2943.5002.875-24
20 Yr Fixed3.9584.0003.7503.8484.0003.375-11
30 Yr Fixed4.1244.1254.0004.0084.1253.625-12
1 Yr ARM3.6923.6253.625 
3/1 ARM3.8803.7503.7503.1903.1253.125-69
5/1 ARM3.5853.8753.0003.9425.5003.00036
7/1 ARM3.9344.5003.2504.3665.5003.62543
New RV - 60 Mo6.2310.603.994.846.252.84-140
Unsecured - 36 Mo9.449.918.9711.1414.957.40170
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* Represents the difference in the average rate between banks and credit unions.